And TRV earns 10% each year = not bad. I wouldn't mind earning 10% on my money each year without having to work. We should all start our own insurance company because that's how you make a ton of money. Warren Buffet understands this too and why he is a billionaire. He owned an insurance company initially. You collect premiums from everyone, invest those premiums and then pay back out a smaller amount and pocket the difference. What a business. Better yet - just own insurance company shares.

Thanks for your feedback Tim
yes, Insurance is one of the most lucrative business, capitalizing on people's fear "what if" and keep sucking money out of us
we should buy insurance stocks such as ACE, Aetna, CI, chubb...etc